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InvisibleAtreyu
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Registered: 03/18/14
Posts: 4,083
Bank or Credit Union
    #24003601 - 01/12/17 10:06 AM (7 years, 17 days ago)

Who would you decide to bank with for your personal finances and why?

If you choose a bank, please give a suggestion and why you think they're a good choice.


Currently I am looking to choose one over the other.


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OfflineTmethylM
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Re: Bank or Credit Union [Re: Atreyu]
    #24003632 - 01/12/17 10:17 AM (7 years, 17 days ago)

I got away from banks almost 10 years ago. I don't even use a credit union but I would never recommend a bank, go with credit union.


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¯\_(ツ)_/¯


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InvisibleAtreyu
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Re: Bank or Credit Union [Re: Tmethyl]
    #24003652 - 01/12/17 10:25 AM (7 years, 17 days ago)

That's what I've been leaning towards.


Thanks Tmethyl


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つ ◕_◕ ༽つ N = R* • fp • ne • fl • fi • fc • L 


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OfflineMorel Guy
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Re: Bank or Credit Union [Re: Atreyu]
    #24003687 - 01/12/17 10:41 AM (7 years, 17 days ago)

I chose Chase due to many locations.  That's a plus if you are traveling.

There are also specific lenders.  For a farm loan there are better places than bank or union.

Best to look into what your life will entail and go from there.


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"in sterquiliniis invenitur in stercore invenitur"

In filth it will be found in dung it will be found


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Offlineiateshaggy
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Re: Bank or Credit Union [Re: Morel Guy]
    #24004947 - 01/12/17 05:46 PM (7 years, 16 days ago)

credit unions used to have strict rules for who could join but since the rules have been relaxed and the whole 2008 financial crash there really isn't much difference in interest rates now.  for the time being i base my checking on who has free accounts, located conveniently in my area, and the best banking app. for me that is chase but in other markets i'm sure someone else would win.


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You are a filipina sex goddess who wants to fuck me until I fall asleep, so then you can tickle my balls and see if the legend of my diamond filled nutsuck is true.  I am a white man from costa rica, who smells like lime jello.


I can flash/jtag/repair 360's, pm for details.


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OfflineLogicaL ChaosM
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Re: Bank or Credit Union [Re: iateshaggy]
    #24016552 - 01/17/17 04:52 AM (7 years, 12 days ago)

If u want convience go with a bank.

If u want more varied benefits such as taking out loans in the future go with a credit union and stay with them for several years.

Currently i have a bank Keybank and im pretty happy with them.


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"What you must understand is that your physical dimension affects everyone in the higher dimensions as well. All things are interconnected. All things are One. Therefore, if one dimension is broken or out of balance, then all other dimensions will experience repercussions." - Pleiadian Prophecy 2020 The New Golden Age by James Carwin

PROJECT BLUE BOOK ANALYSIS! (312 pages!) | Psychedelics & UFOs | Ready to Contact UFOs? | The Source on Mushrooms:shroomeryhead:| Trippy Gematrix | Dj TeknoLogical | Fentanyl Test Kits R.I.P. Big Worm :tombstone: || The Start of the Ascension Process was 2020. Welcome to the Next Great Era of Earth 🌎🌍🌏                                                         
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OfflineNewbie McShroomie
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Re: Bank or Credit Union [Re: Atreyu]
    #24103195 - 02/19/17 04:34 PM (6 years, 11 months ago)

Cash... cash money... nuff said.


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Offlinegotti3
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Re: Bank or Credit Union [Re: Newbie McShroomie]
    #24136570 - 03/04/17 04:00 PM (6 years, 10 months ago)

I use a credit union can't stand all the banks hidden fees.  I get some small perks from my credit union like a 1,000 life insurance policy for being a member a zero charge.  Only thing that sucks is there are not many locations so if I have to get cash from an atm I usually get hit with a bank atm fee


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OfflineBrian Jones
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Re: Bank or Credit Union [Re: gotti3]
    #24137745 - 03/05/17 04:01 AM (6 years, 10 months ago)

I guess there is the convenience of location issue. My job that got me eligible was 30 minutes away and the credit union was 15 more minutes so yeah. Other than that I never heard a complaint against credit unions. My home town now has one with open eligibility so its worth checking out. Credit unions are not out to rip you off like banks IMO.


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"The Rolling Stones will break up over Brian Jones' dead body"    John Lennon

I don't want no commies in my car. No Christians either.

The worst thing about corruption is that it works so well,


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OfflineLogicaL ChaosM
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Re: Bank or Credit Union [Re: Brian Jones]
    #24140867 - 03/06/17 10:42 AM (6 years, 10 months ago)

i would agree, credit unions are more friendly and people-orientened.

The only downside was they were harder to get a loan from if u have bad credit (for obvious reasons).

If u can pay ATM fees once in a while and u have a good credit score, go with Credit Unions.


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OfflineSpinScratch
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Re: Bank or Credit Union [Re: LogicaL Chaos] * 1
    #24142626 - 03/06/17 11:43 PM (6 years, 10 months ago)

I was a member of a locally owned bank, they wouldnt give me a credit card, wanted 20% down on a car loan, and 30% on a mortgage... I took my account and went to a credit union and they give me everything I ever ask for, no money down and great rates. Credit Union all the way


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OfflineManianFHS
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Re: Bank or Credit Union [Re: SpinScratch] * 2
    #24144532 - 03/07/17 06:12 PM (6 years, 10 months ago)

my credit union is col but the kinda pissed me off recently. we received a wedding gift card and the fine print had some monthly $5 charge that reduced its balance to 0. i was like well this gift card is with my credit union who is always super helpful. they did nothing, and i was like thanks for stealing our wedding gift. whatevs.


OP if I were you, just get a rewards credit card somehwere, look for who offers the best rewards. use it and pay it off in full each week. not month, week. then in 6 months youll have free plane tickets. pretty sweet deal for 0 cost.


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notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... "

ChrisWho said: "It's all about the journey, not the destination."


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OfflineLogicaL ChaosM
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Re: Bank or Credit Union [Re: ManianFH]
    #24145484 - 03/08/17 04:40 AM (6 years, 10 months ago)

how much was on that wedding gift card?

Cause it sounds like many months upon months went by, and each month, they deducted $5 untill it reached zero....


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OfflineSpinScratch
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Re: Bank or Credit Union [Re: ManianFH]
    #24146236 - 03/08/17 12:39 PM (6 years, 10 months ago)

Quote:

mick said:
my credit union is col but the kinda pissed me off recently. we received a wedding gift card and the fine print had some monthly $5 charge that reduced its balance to 0. i was like well this gift card is with my credit union who is always super helpful. they did nothing, and i was like thanks for stealing our wedding gift. whatevs.


OP if I were you, just get a rewards credit card somehwere, look for who offers the best rewards. use it and pay it off in full each week. not month, week. then in 6 months youll have free plane tickets. pretty sweet deal for 0 cost.




Any gift card I've ever seen will start deducting $5 a month after 24 months.


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OfflineManianFHS
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Re: Bank or Credit Union [Re: SpinScratch]
    #24150832 - 03/10/17 08:51 AM (6 years, 10 months ago)

Quote:

LogicaL Chaos said:
how much was on that wedding gift card?

Cause it sounds like many months upon months went by, and each month, they deducted $5 untill it reached zero....




$25... didnt take long, lol. It was more a principle thing for me though, like really youre going to give a 15+ year long customer a hard time over $25?


Quote:

SpinScratch said:

Any gift card I've ever seen will start deducting $5 a month after 24 months.




There are many that dont. I have some GCs over 10 years old that state 'GOOD FOREVER' on it or some shit. Thats for like Chilies, Target, Walmart and some other places. Like if they can do it, a giant beast company like Visa should be able to do it no problem. Just Greeeeeedy. Those cards man. So somebody paid $4 to activate this gift card to give to me, which is essentially just money. But the money slowly starts disappearing after 6 months, or a year, even though the expiration date on the front says 2024. Those things might be the stupidest fucking shit on the planet. If you want to give money, just give me cash and a hug.

My wife had a few really old ones from work with $250 balances that sat too long, all worth nothing now :crazy2:.


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notapillow said: "you are going about this endeavor all wrong. clear your mind of useless fear and concern. buy the ticket, take the ride, and all that.... "

ChrisWho said: "It's all about the journey, not the destination."


Edited by ManianFH (03/10/17 08:57 AM)


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OfflineBrian Jones
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Re: Bank or Credit Union [Re: ManianFH]
    #24160742 - 03/14/17 04:09 AM (6 years, 10 months ago)

I thought they made a law against expiration or deductions from gift cards. IDK if it was a federal or state law.


--------------------
"The Rolling Stones will break up over Brian Jones' dead body"    John Lennon

I don't want no commies in my car. No Christians either.

The worst thing about corruption is that it works so well,


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OfflineLogicaL ChaosM
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Re: Bank or Credit Union [Re: ManianFH]
    #24161034 - 03/14/17 08:36 AM (6 years, 10 months ago)

i had no idea debit gift cards have fees :confused:

In the past, I usually blow them like a week after getting them.

I will have to read the fine print on those bad boys.


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OfflineGolfWangMental
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Re: Bank or Credit Union [Re: LogicaL Chaos]
    #24168472 - 03/16/17 09:46 PM (6 years, 10 months ago)

Credit unions will often give you higher return rates than banks, I'd look into local chains and run a comparison of their savings returns.

IF youre storing money somewhere might as well be the place with the best returns.


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OfflineAtobaccotaster
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Re: Bank or Credit Union [Re: GolfWangMental]
    #24169618 - 03/17/17 11:13 AM (6 years, 10 months ago)

system enabling on taxes going to unfair laws is something I'm looking
for a way to transcend,
an idea
consists in founding  a Sufi Muslim underground
through global monotheism / mysticism,
astrally exchanging
scried policy by impersonal expenditure of
1/10th of income
to replace taxes,
income in the bank turned in to validated churches
dollar for dollar under the table exchange,
underground spending only.

What I don't want to do
is help found an anarchist military,
then fund the arrest thru 9/11 paranoia induced
Democratic-Republic discriminatory laws,
or accidentally send money to the DEA,
having strategized for as an accessory to drug freedom.
I don't want to accidentally fund arresting for accessory to.


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